How to Buy a Car with Bad Credit

how to get car bad credit

Tips for Buying a Car with Bad Credit

Bad credit doesn’t have to stand in the way of buying a new vehicle, but you’ll have to shop a little differently and be prepared for a slightly higher cost. If you go into the process as informed as possible you can avoid some common pitfalls.

  • Check your credit report as soon as you start thinking about buying a new car, even if it’s months or years in advance.
  • In the months leading up to your loan application, be on your best behavior. Pay everything on time.
  • Check your budget to see what you can really afford to pay and stick to that amount, even if you’re approved for a loan with bigger payments.
  • Get pre-approved so you can shop more realistically.

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Additional Tips When Looking For a Bad Credit Car Loan.

To make sure you get a car loan that works for your budget, it’s important to ask pertinent questions. For starters, you’ll want to know how much interest you’ll be paying over the life of the loan.

Make sure there’s no prepayment penalty – meaning, you won’t be fined for paying off a loan quicker than agreed. Also, find out the necessary steps for refinancing a loan with a high interest rate.

One way to phrase it: “How long do I have to deal with this until I can change and get something more reasonable?”

Be smart about your credit while you are shopping for an auto loan. Every time a lender pulls your credit report, it creates an inquiry on your file, and these inquiries can hurt your credit scores.

Most scoring models will count auto loan inquiries with a certain window – usually 14 to 45 days – as a single inquiry. To be on the safe side, limit your auto loan shopping to a two-week period to avoid damaging your credit scores further.